it's supposed to deliver health insurance on the back end. that enmoos submit applications to insurance companies, submit payments ultimately to insurance companies. but in the end, the website, healthcare.gov is a minimum threshold that obama care must meet. it is a hurdle that must get cleared in order to satisfy what the government expects will be some demand for the product, for the products offered on the exchange. and that is a far more serious problem. is there a demand? will young healthy people opt into the system? because what you're talking about now are strauk ral problems, not technical problems. they are the term, a potential death spiral of this whole application. >> you heard what will said. and there's also this problem, that is perception. because the rollout is such a disaster. and even if they're coming out say, u. wow, it's great, now young people come sign up now. will they believe it? >> that's an important question. if you don't have enough young people sign up, the market won't work as it should. first of all, reality